US · CZFS
Citizens Financial Services, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Mansfield, PA 16933
- Website
- firstcitizensbank.com
Price · as of 2025-12-31
$61.32
Market cap 288.67M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $243.73 | +297.47% |
| Intrinsic Value(DCF) | $52.43 | -14.5% |
| Graham-Dodd Method(GD) | $90.70 | +47.92% |
| Graham Formula(GF) | $82.40 | +34.37% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $20.96 | $21.02 | $17.93 | $24.87 | $28.74 |
| 2012 | $29.98 | $32.68 | $77.03 | $23.15 | $39.89 |
| 2013 | $34.22 | $22.79 | $70.33 | $27.43 | $12.15 |
| 2014 | $36.17 | $34.33 | $70.82 | $18.93 | $22.61 |
| 2015 | $34.49 | $42.64 | $80.67 | $23.20 | $30.82 |
| 2016 | $38.37 | $26.10 | $88.11 | $23.70 | $85.80 |
| 2017 | $46.98 | $40.77 | $101.18 | $24.97 | $66.43 |
| 2018 | $46.06 | $31.39 | $212.89 | $30.73 | $102.45 |
| 2019 | $50.06 | $37.72 | $216.93 | $36.27 | $89.18 |
| 2020 | $48.03 | $81.17 | $63.47 | $48.06 | $149.77 |
| 2021 | $53.82 | $25.46 | $97.04 | $53.13 | $89.76 |
| 2022 | $67.50 | $57.99 | $55.03 | $49.46 | $118.77 |
| 2023 | $39.49 | $49.69 | $62.75 | $35.12 | $221.33 |
| 2024 | $57.16 | $55.03 | $281.38 | $44.95 | $168.61 |
| 2025 | $60.71 | $243.73 | $231.94 | $90.70 | $82.40 |
AI valuation
Our deep-learning model estimates Citizens Financial Services, Inc.'s (CZFS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $243.73
- Current price
- $61.32
- AI upside
- +297.47%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$52.43
-14.5% upside
Graham-Dodd
$90.70
+47.92% upside
Graham Formula
$82.40
+34.37% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CZFS | Citizens Financial Servic… | $61.32 | 288.67M | +297% | -14% | +48% | +34% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| CBAN | Colony Bankcorp, Inc. | $19.83 | 352.78M | +58% | -22% | -34% | +21% | 11.69 | 1.00 | 1.58 | 12.26 | 120.77 | 1.23 | 63.64% | 16.74% | 13.51% | 8.95% | 9.14% | 0.77% | 0.89 | 0.48 | 0.03 | 0.03 | 5.89 | 968.00% | 1001.00% | 2854.00% | 8.00% | 0.01 | 8.54% | 2.83% | 33.10% | 3.30% | 15.63 | 20.70 | 2.62 | -0.76 |
| COSO | CoastalSouth Bancshares, … | $24.55 | 294.08M | — | — | +20% | +83% | — | — | — | — | — | — | 54.61% | 20.98% | 16.89% | 12.47% | -263.38% | 1.06% | 0.08 | 0.47 | 0.05 | 0.05 | -1.81 | -1899.00% | 1341.00% | -13824.00% | — | -0.01 | 169.34% | — | 0.00% | — | — | — | — | — |
| CZNC | Citizens & Northern Corpo… | $22.46 | 344.77M | +224% | -21% | +10% | -52% | 15.61 | 1.07 | 2.37 | 0.02 | — | 1.37 | 65.34% | 18.58% | 15.19% | 7.59% | 42.26% | 0.82% | 0.55 | 0.60 | — | — | 5.01 | -1361.00% | -82.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.02 | — | 0.00 | 0.18 |
| FDBC | Fidelity D & D Bancorp, I… | $43.85 | 252.9M | -29% | +30% | -38% | +122% | 11.68 | 1.19 | 1.94 | -5.25 | 90.87 | 1.32 | 63.50% | 19.10% | 16.63% | 10.57% | -12.75% | 0.82% | 0.08 | 0.53 | 0.19 | 0.19 | -2.25 | 1285.00% | 1962.00% | 951.00% | 10.25% | 0.01 | -15.26% | 3.64% | 42.60% | 40.13% | -6.49 | -6.22 | -1.24 | -0.66 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| LNKB | LINKBANCORP, Inc. | $8.65 | 324.01M | +1,024,537% | +23,719% | -42% | +1,164% | 9.42 | 0.88 | 1.47 | 5.17 | — | 1.23 | 64.74% | 20.05% | 15.64% | 9.61% | 13.11% | 0.94% | 0.46 | 0.57 | 0.07 | 0.07 | -0.94 | -20597.00% | 15283.00% | -173102.00% | 9.14% | 0.01 | 11.29% | 4.50% | 42.40% | 23.18% | 6.20 | 9.23 | 1.24 | -0.76 |
| MBCN | Middlefield Banc Corp. | $33.67 | 272.39M | +279% | -24% | +7% | -17% | 14.01 | 1.19 | 2.42 | 11.87 | 57.25 | 1.44 | 65.85% | 20.91% | 17.29% | 8.82% | 9.27% | 1.03% | 0.81 | 0.60 | 0.40 | 1.53 | -1.54 | 2448.00% | 354.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 63.96% | 11.87 | — | 2.48 | 0.24 |
| NECB | Northeast Community Banco… | $24.20 | 326.31M | +130% | +292% | +37% | +298% | 6.02 | 0.89 | 1.77 | 3.13 | 99.85 | 0.89 | 63.74% | 41.15% | 29.45% | 15.75% | 17.95% | 2.49% | 0.01 | 1.15 | 0.05 | 0.05 | -1.10 | 602.00% | 1955.00% | 1412.00% | 17.01% | 0.03 | 18.37% | 2.78% | 16.70% | 30.06% | 3.19 | 4.35 | 1.31 | -0.51 |
| PKBK | Parke Bancorp, Inc. | $27.86 | 330.06M | +44% | -23% | -7% | +34% | 7.91 | 0.73 | 1.68 | 5.00 | — | 0.73 | 48.13% | 28.05% | 21.26% | 9.42% | 10.35% | 1.32% | 0.63 | 0.55 | 0.14 | 0.14 | -0.90 | -340.00% | 839.00% | 5212.00% | 16.08% | 0.02 | 13.17% | 3.95% | 31.30% | 15.53% | 5.08 | 5.27 | 1.43 | -0.49 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
About Citizens Financial Services, Inc.
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
- CEO
- Randall E. Black
- Employees
- 379
- Beta
- 0.43
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($52.43 ÷ $61.32) − 1 = -14.5% (DCF, example).